By the Finapolis Research Desk. Last updated 9 June 2026.
Fiscal.ai (it used to be FinChat) is the most fun research tool on this list. Ask it almost anything about almost any company and it answers from real filings, in seconds. For a while it feels like it does everything. Then you actually form a view and want to act on it, grade the business, get a report you can hand to a client, structure the trade, harvest the loss, and you notice the AI was a brilliant librarian, not a decision desk. That line is what this comparison is about.
Fiscal.ai vs Finapolis in 30 seconds
- Fiscal.ai is excellent AI research: 100,000+ global names, a Copilot, plain-English screening, deep segment KPIs, a DCF, and backtesting, at a low price.
- Finapolis is narrower (about 6,000 US names) but goes further: a sector-relative grade, sourced reports, an options engine, and a tax-aware portfolio.
- This is the closest call of the set. Pick Finapolis if you want to act on US names, not just understand them.
- Stay on Fiscal.ai if you want global reach, an AI to explore with, and a cheaper bill.
- They overlap on screening, DCF, and AI chat; they split on grading, sourced research, options, and the portfolio.
Where AI research ends and the decision begins
Both tools are great at "tell me about this company." The questions that actually move money are different: how good is it really, what is it worth, and what is the smart way to own it. Fiscal.ai will help you read; Finapolis is built to help you decide and act, on the US names it covers.
Fiscal.ai vs Finapolis: feature comparison
| Capability | Fiscal.ai | Finapolis |
|---|---|---|
| Global market coverage | yes100,000+ global | noUS only, ~6,000 |
| Earnings transcripts and segment KPIs | yesa core strength | Partialpartial |
| AI natural-language screening | yes | yes |
| AI co-pilot / chat | yesCopilot | yesNapoli |
| DCF modeling | yes | yes |
| Backtesting | yes | yes |
| Proprietary grade vs sector peers (A-D) | no | yes |
| Fact-checked equity research reports | PartialpartialAI summaries + feed | yestraced to filings |
| Platform's own dated fair-value target | Partialpartialanalyst targets | yes |
| Options strategy engine | no | yes |
| Active portfolio (rebalance, tax-loss) | notracking + 13F | yes |
| Connected workflow, screen to trade to track | no | yes |
| Price (June 2026) | Free; Pro ~$39/mo; Max ~$79/mo | Pro $89/mo; Wealth $499/mo |
What Fiscal.ai nails (and it is a lot)
Let me not undersell it, because on its strengths Fiscal.ai beats Finapolis cleanly. It covers 100,000+ names worldwide against Finapolis's 6,000 US ones. The Copilot is genuinely good and stays bounded to verified data, so it tends to say "I do not have that" rather than make something up. The segment and KPI detail is the best here, the plain-English screener is a delight, and it is cheaper, with a real free tier. If your work is global and exploratory, Fiscal.ai may simply be the better buy, and this article will not pretend otherwise.
Where Finapolis takes over
The split shows up the moment you stop reading and start deciding. Finapolis opens with a grade, A to D on fundamentals, technicals, and health, with a DCF and a dated target beside the price. Fiscal.ai can build a DCF too, but it will not grade the business against its peers or stand behind a target of its own.
The Analyzer. A sector-relative grade and a dated target, not just data and a chat window.
Then the research. Fiscal.ai gives you AI summaries and a curated feed, which are useful. Finapolis gives you a full report that takes a position, where every claim is checked against the filing it came from, the difference between a smart summary and something you would put in front of a client.
The Reporter. A position taken and checked, claim by claim, to the filing.
And then the part Fiscal.ai simply does not have: acting on the view. The Trader turns your target into a ranked, defined-risk options trade with the payoff drawn out, and the Portfolio handles rebalancing and tax-loss harvesting.
The Trader. Fiscal.ai has no options engine; here a target becomes a scored, hedged trade.
Is this real, or just AI dressed up?
A fair challenge, especially for two tools that both lead with AI. Two checks.
Each grade comes from 4 pillars, Profitability, Quality, Stability, and Growth, across 11 metrics, weighted 60% on the level and 40% on the trend, scored against at least 5 sector peers, not the whole market. A method you can read.
On the research, the Microsoft report notes Microsoft Cloud at $168.9 billion of $281.7 billion in revenue, sitting on a roughly $392 to $400 billion backlog, each figure traced to the 10-K and the Q4 2025 call. Both tools source their data; Finapolis turns it into a checked report rather than a summary. It is built by a team out of PIMCO, DE Shaw, and Morgan Stanley.
Fiscal.ai pricing vs Finapolis pricing
| Plan | Fiscal.ai | Finapolis |
|---|---|---|
| Free | yes2-week Pro trial | 14-day trial, no free tier |
| Entry | Pro ~$39/mo (annual; ~$49 monthly) | Pro $89/mo ($79 annual) |
| Top | Max ~$79/mo; API & MCP separate | Wealth $499/mo ($400 annual) |
Fiscal.ai wins on price, plainly. It is the cheaper tool with a stronger free tier. The question is not which costs less; it is whether you need the grade, the sourced report, the options, and the tax tools that Finapolis adds. See full Finapolis pricing.
Fiscal.ai vs Finapolis: which should you use?
Stay on Fiscal.ai if you research globally, love the AI chat, and want to keep the bill low, it is genuinely great at that. Move to Finapolis (or run both) if you mostly trade US names and want to grade them, get a report you would show a client, build the trade, and manage the tax, in one place. The most common setup we see for serious US investors is Fiscal.ai for global exploration and Finapolis for the decision. Also worth reading: Finviz vs Finapolis, Koyfin vs Finapolis, and the full 4-way guide.
Like the research, want to act on it? See the grade, the report, and the trade on a US name.
Grade your first stock free14-day trial, no cardFiscal.ai alternative FAQ
Is Fiscal.ai worth it in 2026?
For AI-assisted global research, yes, and it is hard to beat on price. The free tier even includes a DCF. It just stops short of grading a business, publishing a fact-checked report, or building a trade and a tax-aware portfolio, which is the gap Finapolis fills.
Is Fiscal.ai the same as FinChat?
Yes. Fiscal.ai is the rebranded FinChat.io, same AI research roots, with a bigger data set and a more capable Copilot.
What is the best Fiscal.ai (FinChat) alternative?
For US-focused grading, sourced research, options, and a tax-aware portfolio, Finapolis. For more data breadth or a cheaper terminal, Koyfin and TIKR are the closer comparisons.
Do Fiscal.ai and Finapolis both have AI and a DCF?
They do, plus backtesting on both. The real differences are elsewhere: the sector-relative grade, fact-checked reports, an options engine, and portfolio optimization, all of which are Finapolis.
Does Fiscal.ai have an options strategy engine or tax-loss harvesting?
No. It is a research platform; it does not build options trades or run tax-loss harvesting. Finapolis does both.
Which covers more stocks?
Fiscal.ai, easily, 100,000+ global names against about 6,000 US names on Finapolis.
Can I use Fiscal.ai and Finapolis together?
Yes, and for a US-focused investor it is a strong combo: Fiscal.ai to explore globally, Finapolis to grade, value, and act on the names you take seriously.
